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Open Source Architecture for Building BPM Solution - Part 1


[This article talks about how a custom BPM solution can be build using available open source BPM tools like Activiti or jBPM]

Business Case: A MFI is looking to automate its processes. It has basic functions called loan origination and loan servicing

Loan origination includes following steps a) Borrower risk analysis b) Borrower on-boarding where as loan servicing includes a) Disbursements b) Collection c) Closer d) Loan extension etc. Other than these two functions MFI also have operations team which takes care ground level activities like physical transportation of cash and documents, deployment of agents, identification of loan potential areas.

So how can we build solution which is scalable and minimal cost for this MFI? Below is one of many solutions

Step 1: High Level Architecture Design


Step 2: Process Discovery and Implementing the Executable processes

Lets restrict ourselves to only loan servicing – disbursements of funds. And see how we can fit that in our solution architecture

Disbursement process might be

a)      Starts with approval of loan. Approval document includes customer detail documents, proof documents, group details, credit limit, amortization schedule  

b)      Once loan is approved, it has to create a loan account with all standard details like disbursement amount, date, interest rate, regulation limitations if any.

c)      Once loan account is created, a check need to cut against the loan account holder.

d)      Check posting/ depositing

Hence disbursement can be divided into following processes

1)      Loan Account Creation

2)      Disbursement of Check

These processes can be drawn using BPMN designers provided by the BPM suits.

Deployment will be discussed in next part
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